Construction loans
We offer construction loans for new construction of owner-occupied dwellings, rental apartments and freehold titles, with a full subscription guarantee for owner-occupied dwelling projects. The guarantee safeguards the association’s investments from the start, reduces the risk of the project and gives you as the developer the flexibility to adapt pre-sales.
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We offer tailored construction loans with the following benefits:
Full subscription guarantee
The full subscription guarantee enables flexible sales and earlier construction start, while safeguarding the principal and facilitating chains of moves in the housing market.
Loan-to-value ratio against the finished product
We lend up to 80% of the final market value of the property, and up to 85% of the total production cost for the project. This provides developers with a stable foundation for funding their housing developments and ensuring the success of their projects.
Tailored drawdown plans
We work with you to create a drawdown plan that is tailored to your project plan and as different costs arise within the project. We understand that plans can change, and are flexible when it comes to adapting the drawdown plan according to your needs and the evolution of your project.
Efficient management of drawdown payments
When you need a drawdown payment, you can submit a drawdown request together with supporting documents in the form of invoices and photos to confirm project progress and the drawdown amount. We provide a drawdown request form that is easy to fill in and submit, making the process straightforward and efficient.
Advisory service
We also offer advice to support you throughout the construction process. Our team of experts is on hand to answer any questions you may have and provide guidance when needed, helping to ensure successful housing development.
Tailored solutions for interest payment and loan repayment
We understand that every project is unique, which is why we offer tailored solutions for interest payment and loan repayment that are adapted to suit your own specific needs and financial circumstances. This gives you flexibility and control over your financial commitments throughout the construction process.